A Business at a Glance
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PEOPLES FINANCIAL CORP /MS/
PFBX
$105M
Mkt Cap
$22.84
-0.39%
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a current P/E ratio of 4.9, compared to its historical median P/E of 8.2. The stock is currently considered Fair based on its historical valuation range.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a 5-year average return on invested capital (ROIC) of 13.6%. This indicates solid capital allocation.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a market capitalization of $105M. It is classified as a small-cap stock.
Yes, PEOPLES FINANCIAL CORP /MS/ (PFBX) pays a dividend with a trailing twelve-month yield of 1.58%.
Based on historical P/E analysis, PEOPLES FINANCIAL CORP /MS/ (PFBX) appears fair. The current P/E of 4.9 is 40% below its historical median of 8.2. The estimated fair value CAGR (P/E method) is 87.6%.
PEOPLES FINANCIAL CORP /MS/ (PFBX) operates in the State Commercial Banks industry, within the Financials sector.
PEOPLES FINANCIAL CORP /MS/ (PFBX) reported annual revenue of $28 million in its most recent fiscal year, based on SEC EDGAR filings.
ITEM 1 - DESCRIPTION OF BUSINESS BACKGROUND AND CURRENT OPERATIONS Peoples Financial Corporation (the “Company”) is a corporation that was organized as a one bank holding company in 1985. The Company is headquartered in Biloxi, Mississippi. At December 31, 2024, the Company operated in the state of Mississippi through its wholly owned subsidiary, The Peoples Bank, Biloxi, Mississippi (the “Bank”). The Company is engaged, through this subsidiary, in the banking business. The Bank is the Company’s principal asset and primary source of revenue. The main office, operations center and asset management and trust services of the Bank are located in downtown Biloxi, MS. At December 31, 2024, the Bank also had 17 branches located throughout Harrison, Hancock, Jackson and Stone Counties. The Bank has automated teller machines (“ATM”) at its main office, all branch locations and at one non-proprietary location.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 28M | 28M | 30M | 33M | 28M | 26M |
| Net Income | 3.9M | 3.9M | 22M | 9.2M | 8.9M | 8.9M |
| EPS | $0.85 | $0.85 | $4.66 | $1.96 | $5.73 | $1.77 |
| Free Cash Flow | 4.2M | 4.2M | 5.1M | 6.5M | 7.9M | 2.6M |
| ROIC | 4.8% | 4.1% | 27.3% | 14.7% | 12.2% | 9.6% |
| Gross Margin | 0.0% | 0.0% | - | - | - | 0.0% |
| Debt/Equity | 0.00 | 0.00 | 8.24 | 10.51 | 14.63 | 7.93 |
| Dividends/Share | $0.36 | $0.36 | $0.44 | $0.53 | $0.57 | $0.16 |
| Operating Income | 4.8M | 4.8M | 8.4M | 11M | 6.5M | 9.0M |
| Operating Margin | 17.5% | 17.5% | 27.5% | 33.8% | 22.9% | 34.6% |
| ROE | 3.9% | 4.1% | 27.3% | 14.7% | 12.2% | 9.6% |
| Shares Outstanding | 5M | 5M | 5M | 5M | 2M | 5M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 29M | 25M | 24M | 24M | 23M | 24M | 25M | 26M | 28M | 33M | 30M | 28M | 28M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A | 0.0% | N/A | N/A | N/A | 0.0% | 0.0% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 12M | 12M | 11M | 11M | 11M | 11M | 10M | 11M | 11M | 11M | 10M | 11M | 11M |
| EBIT | -5.3M | -5.4M | 245K | 1.7M | 121K | 112K | -2.6M | 9.0M | 6.5M | 11M | 8.4M | 4.8M | 4.8M |
| Op. Margin | -18.0% | -21.1% | 1.0% | 7.0% | 0.5% | 0.5% | -10.2% | 34.6% | 22.9% | 33.8% | 27.5% | 17.5% | 17.5% |
| Net Income | -10M | -4.6M | 167K | 2.8M | 629K | 1.7M | -2.6M | 8.9M | 8.9M | 9.2M | 22M | 3.9M | 3.9M |
| Net Margin | -34.1% | -18.1% | 0.7% | 11.5% | 2.7% | 6.9% | -10.2% | 34.4% | 31.4% | 27.5% | 71.2% | 14.2% | 14.2% |
| Non-Recurring | 1.3M | 937K | 782K | 460K | 764K | 442K | 979K | 299K | 155K | 30K | 9K | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | -10.3% | -4.9% | 0.2% | 3.1% | 0.7% | 1.8% | -2.7% | 9.6% | 12.2% | 14.7% | 27.3% | 4.1% | 4.8% |
| ROE | -10.3% | -4.9% | 0.2% | 3.1% | 0.7% | 1.8% | -2.7% | 9.6% | 12.2% | 14.7% | 27.3% | 4.1% | 3.9% |
| ROA | -1.4% | -0.7% | 0.0% | 0.4% | 0.1% | 0.3% | -0.4% | 1.2% | 1.1% | 1.1% | 2.7% | 0.5% | 0.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.6M | 4.6M | 3.1M | 5.0M | 4.3M | 4.1M | 5.9M | 4.6M | 7.9M | 9.1M | 6.0M | 4.5M | 4.5M |
| Free Cash Flow | 6.3M | 4.2M | 2.1M | 4.5M | 3.6M | 3.7M | 5.5M | 2.6M | 7.9M | 6.5M | 5.1M | 4.2M | 4.2M |
| Owner Earnings | 4.7M | 2.9M | 1.3M | 3.0M | 2.3M | 2.2M | 4.1M | 2.9M | 6.2M | 7.5M | 4.4M | 2.9M | 2.9M |
| CapEx | 293K | 416K | 1.0M | 423K | 690K | 456K | 441K | 1.9M | 0 | 2.5M | 977K | 302K | 302K |
| Maint. CapEx | 1.8M | 1.8M | 1.8M | 1.9M | 2.0M | 1.9M | 1.8M | 1.7M | 1.7M | 1.6M | 1.7M | 1.6M | 1.6M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 263K | N/A | 986K | 0 | 0 | 0 |
| D&A | 1.8M | 1.8M | 1.8M | 1.9M | 2.0M | 1.9M | 1.8M | 1.7M | 1.7M | 1.6M | 1.7M | 1.6M | 1.6M |
| CapEx/OCF | 4.5% | 9.0% | 32.5% | 8.5% | 16.1% | N/A | 7.4% | N/A | N/A | N/A | N/A | N/A | 6.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 512K | 0 | 0 | 51K | 101K | 148K | 98K | 769K | 889K | 2.5M | 2.0M | 1.7M | 1.7M |
| Dividend Yield | 0.8% | N/A | N/A | 0.1% | 0.2% | N/A | 0.2% | N/A | 3.9% | 4.3% | 2.7% | N/A | 1.6% |
| Share Buybacks | 0 | 0 | 0 | 502K | 1.9M | 0 | 735K | 3.4M | 0 | 208K | 792K | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | 0.9% | 3.9% | 0.0% | 1.3% | 0.0% | N/A | 0.3% | 0.9% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -19M | -19M |
| Cash & Equiv. | 24M | 31M | 41M | 25M | 17M | 29M | 92M | 50M | 33M | 23M | 108M | 20M | 20M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 196K |
| Debt/Equity | 6.04 | 5.98 | 6.78 | 6.27 | 6.09 | 5.25 | 6.05 | 7.93 | 14.63 | 10.51 | 8.24 | 0.00 | 0.00 |
| Interest Coverage | 0.4 | 0.8 | 0.6 | 0.3 | 0.2 | 0.0 | -0.7 | 0.0 | 4.0 | 3.0 | 2.1 | 0.0 | 0.6 |
| Equity | 95M | 92M | 88M | 89M | 87M | 95M | 95M | 92M | 55M | 69M | 90M | 101M | 101M |
| Total Assets | 669M | 641M | 688M | 650M | 617M | 595M | 668M | 819M | 862M | 798M | 832M | 727M | 727M |
| Total Liabilities | 574M | 549M | 600M | 561M | 530M | 500M | 573M | 727M | 806M | 728M | 742M | 626M | 626M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 600K | 538K | 476K | 414K | 414K |
| Retained Earnings | 24M | 19M | 19M | 22M | 20M | 22M | 18M | 23M | 31M | 38M | 56M | 59M | 59M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | 0 | N/A | 0 | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | 0 | N/A | 0 | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | 17M | 16M | 17M | 18M | 18M | 0 | 19M | 0 | 19M | 20M | 19M | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | -1.95 | -0.90 | 0.03 | 0.54 | 0.13 | 0.34 | -0.56 | 1.77 | 5.73 | 1.96 | 4.66 | 0.85 | 0.85 |
| Owner EPS | 0.93 | 0.57 | 0.24 | 0.60 | 0.48 | 0.45 | 0.90 | 0.58 | 4.00 | 1.60 | 0.94 | 0.63 | 0.63 |
| Book Value | 18.51 | 18.00 | 15.89 | 17.52 | 17.97 | 19.26 | 20.73 | 18.22 | 35.32 | 14.82 | 19.32 | 21.88 | 21.88 |
| Cash Flow/Share | 1.28 | 0.91 | 0.56 | 0.97 | 0.88 | 0.84 | 1.30 | 0.91 | 5.07 | 1.94 | 1.30 | 0.98 | 1.20 |
| Dividends/Share | 0.10 | N/A | N/A | 0.01 | 0.02 | 0.03 | 0.02 | 0.16 | 0.57 | 0.53 | 0.44 | 0.36 | 0.36 |
| Shares Out. | 5.1M | 5.1M | 5.6M | 5.1M | 4.8M | 4.9M | 4.6M | 5.0M | 1.6M | 4.7M | 4.7M | 4.6M | 4.6M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | 461.8 | 21.3 | 78.7 | N/A | N/A | N/A | 6.9 | 8.2 | 3.8 | N/A | 26.9 |
| P/FCF | 9.3 | 9.7 | 36.3 | 13.0 | 13.8 | N/A | 9.8 | N/A | 2.6 | 11.5 | 16.5 | N/A | 25.0 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 17.8 |
| Price/Book | 0.6 | 0.4 | 0.9 | 0.7 | 0.6 | N/A | 0.6 | N/A | 1.1 | 1.1 | 0.9 | N/A | 1.0 |
| Price/Sales | 2.1 | 1.8 | 2.2 | 2.7 | 2.5 | N/A | 1.9 | N/A | 2.4 | 1.7 | 2.5 | N/A | 3.8 |
| FCF Yield | 10.7% | 10.3% | 2.8% | 7.7% | 7.2% | N/A | 9.5% | N/A | 12.7% | 8.7% | 6.1% | N/A | 4.0% |
| Market Cap | 58M | 41M | 77M | 59M | 50M | 0 | 58M | 0 | 62M | 75M | 84M | 0 | 105M |
| Avg. Price | 11.80 | 8.85 | 9.32 | 12.69 | 12.01 | 0.00 | 9.50 | 0.00 | 14.49 | 12.18 | 16.13 | 0.00 | 22.84 |
| Year-End Price | 11.38 | 8.03 | 13.85 | 11.52 | 10.24 | 0.00 | 11.72 | 0.00 | 13.31 | 16.02 | 17.93 | 0.00 | 22.84 |
PEOPLES FINANCIAL CORP /MS/ passes 3 of 9 quality checks, indicating weak fundamentals.
PEOPLES FINANCIAL CORP /MS/ trades at 4.9x trailing earnings, compared to its 15-year median P/E of 8.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 17.6x vs a median of 13.0x. The company's 5-year average ROIC is 13.6%. Total shareholder yield (dividends) is 1.6%. At current prices, the estimated annualized return to fair value is +11.4%.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a net profit margin of 14.2%. This is a healthy margin.
PEOPLES FINANCIAL CORP /MS/ (PFBX) generated $4 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
PEOPLES FINANCIAL CORP /MS/ (PFBX) reported earnings per share (EPS) of $0.85 in its most recent fiscal year.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a return on equity (ROE) of 4.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 17 years of financial data for PEOPLES FINANCIAL CORP /MS/ (PFBX), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PEOPLES FINANCIAL CORP /MS/ (PFBX) has a book value per share of $21.88, based on its most recent annual SEC filing.
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